843 Bluff Brook Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 843 Bluff Brook Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,536 sqft · built 2020
Lot Size	0.207 acres (8,995 sqft)
Owner	2 Individual Names on Record
Last Sale	$389,900 (Dec 2020)
Tax Bill	$4,609 (2025)
Deeds & Mortgages	May 2026 Transfer Jul 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T170300012`

Property Details

APN / Parcel Number

Primary APN	`T170300012`
Alternative APN	`2-0049-C326-00-0721.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,536 sqft Living Area
Gross Area	3,620 sqft
1st Floor Area	1,452 sqft
Basement Area	1,084 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	8,995 sqft (0.207 acres)
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T170300012
Street Address	843 BLUFF BROOK DR
City	O FALLON
State	MO
Zip	63366-5066
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROOKSIDE VLG C #2 LOT 721
Legal Subdivision	BROOKSIDE VLG C #2
Legal Lot Number	721
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2017
Census Tract	312095

Owner

Source: St. Charles County records, as of July 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	843 BLUFF BROOK DR, O FALLON, MO 63366-5066
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Jul 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION
Aug 4, 2020	Deed of Trust, Mortgage · Construction Mortgage PARKSIDE FINANCIAL BANK & TRUST
Dec 30, 2020	Grant Deed, Subdivision Related Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2020 · Amount on Record
Deed Sale	Dec 30, 2020 · Amount on Record
Deed Document Number	2020103065
Last Transfer Date	May 20, 2026
Transfer Doc	0000023976
Record Updated	Sep 20, 2026

May 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 21, 2026
Property Address	843 BLUFF BROOK DR, O FALLON, MO 63366-5066
Document Number	0000023976
Instrument Date	May 20, 2026
Instrument	202623976
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	843 BLUFF BROOK DR, O FALLON, MO 63366-5066

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jul 10, 2026
Property Address	843 BLUFF BROOK DR, O FALLON, MO 63366-5066
Document Number	0000032272
Instrument Date	May 8, 2026
Instrument	202632272
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	843 BLUFF BROOK DR, O FALLON, MO 63366-5066

Mortgage

Document Number	0000032272,
Date	Jul 10, 2026
Instrument	202632272

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 15, 2041

Interest

Rate Type	Fixed Rate
Rate	5.74%
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	843 BLUFF BROOK DR, O FALLON, MO 63366-5066
Transaction Type	Mortgage
Record Updated	Aug 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073620629
Date	Aug 4, 2020
Book Page	7362/629
Instrument	20200804000552740

Lender

Name	PARKSIDE FINANCIAL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63105

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 30, 2020
Property Address	843 BLUFF BROOK DR, O FALLON, MO 63366-5066
Document Number	0000103065
Instrument Date	Dec 29, 2020
Instrument	103065
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 23, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	843 BLUFF BROOK DR O FALLON MO 633665066, O FALLON, MO 63366-5066

Mortgage

Document Number	103066
Date	Dec 30, 2020
Instrument	103066

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,609.00	$73,936 (+10.17%)	$389,134 (+10.17%) Land $57,750 Building $331,384
2023		$67,113
2022			$353,222 Land $41,250 Building $311,972

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2019–2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Brightspeed Fiber	940 / 940
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, Verizon.

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